EP0791202B1 - Computer-zahlungssystem zum kaufen von informationsprodukten mittels elektronischem transfer auf dem internet - Google Patents
Computer-zahlungssystem zum kaufen von informationsprodukten mittels elektronischem transfer auf dem internet Download PDFInfo
- Publication number
- EP0791202B1 EP0791202B1 EP95933787A EP95933787A EP0791202B1 EP 0791202 B1 EP0791202 B1 EP 0791202B1 EP 95933787 A EP95933787 A EP 95933787A EP 95933787 A EP95933787 A EP 95933787A EP 0791202 B1 EP0791202 B1 EP 0791202B1
- Authority
- EP
- European Patent Office
- Prior art keywords
- internet
- user
- information
- buyer
- payment
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Lifetime
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Classifications
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- G—PHYSICS
- G09—EDUCATION; CRYPTOGRAPHY; DISPLAY; ADVERTISING; SEALS
- G09B—EDUCATIONAL OR DEMONSTRATION APPLIANCES; APPLIANCES FOR TEACHING, OR COMMUNICATING WITH, THE BLIND, DEAF OR MUTE; MODELS; PLANETARIA; GLOBES; MAPS; DIAGRAMS
- G09B5/00—Electrically-operated educational appliances
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/229—Hierarchy of users of accounts
- G06Q20/2295—Parent-child type, e.g. where parent has control on child rights
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/018—Certifying business or products
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0613—Third-party assisted
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0613—Third-party assisted
- G06Q30/0617—Representative agent
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
- G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
- G07F17/16—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for devices exhibiting advertisements, announcements, pictures or the like
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Marketing (AREA)
- Computer Security & Cryptography (AREA)
- Entrepreneurship & Innovation (AREA)
- Human Resources & Organizations (AREA)
- Operations Research (AREA)
- Quality & Reliability (AREA)
- Tourism & Hospitality (AREA)
- Educational Administration (AREA)
- Educational Technology (AREA)
- Health & Medical Sciences (AREA)
- Child & Adolescent Psychology (AREA)
- General Health & Medical Sciences (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Computer And Data Communications (AREA)
Claims (11)
- System, um Internetanwender in die Lage zu versetzen, Zahlungen an andere Internetanwender unter Verwendung des Internets (12) vorzunehmen, wobei das System umfasst:ein Computersystem (10), auf dem Benutzerkonten (100) für Internetanwender gespeichert sind, wobei die Benutzerkonten (100) Internetadressinformationen (104) und Finanzinformationen (108, 110) enthalten, wobei das Computersystem (10) umfasst:einen ersten Computer (50), der mit dem Internet (12) verbunden ist, um die Internetadressinformationen (104) zu führen, und um Mitteilungen von Internetanwendern zu senden und zu empfangen;einen vom Internet isolierten, zweiten Computer (52), um die Finanzinformationen (108, 110) getrennt von den Internetadressinformationen (104) zu führen, um mit einem System zur Abwicklung von finanziellen Transaktionen (30) zu verbinden, und um Kreditkartenbearbeitungsinformationen für Internetanwender auf dem zweiten Computer (52) gespeichert zu haben;Programmcode auf dem ersten Computer (50), welcher auf den Erhalt einer Transaktionsanfrage (129) von einem zweiten Internetanwender (28) reagiert, um von einem ersten Internetanwender (20) zu erfragen, ob der erste Internetanwender (20) eine in der Transaktionsanfrage (129) identifizierte Zahlung freigeben möchte; undProgrammcode auf dem zweiten Computer (52) zur Bearbeitung der Zahlung vom ersten Internetanwender (20) unter Verwendung der Finanzinformationen (108, 110) in Reaktion auf eine Benachrichtigung (150) durch den ersten Internetanwender (20) zur Freigabe der Zahlung.
- System nach Anspruch 1, wobei der erste Computer (52) und der zweite Computer (50) durch Stapelverarbeitung kommunizieren.
- System nach Anspruch 1, ferner umfassend Mittel zum Führen einer Anzeige für ein Fehlen einer Zahlungsermächtigung in einem dem ersten Internetanwender (20) zugeordneten Datensatz (100), wenn der erste Internetanwender (20) eine Geldzahlung per Internet (12) nicht freigibt.
- System nach Anspruch 3, ferner umfassend Mittel zum Empfangen einer Anfrage via Internet (12) von einem dritten Internetanwender bezüglich eines Fehlens einer Zahlungsermächtigung durch den ersten Internetanwender (20); und Mittel zum Informieren (218) des dritten Internetanwenders via Internet (12) bezüglich des Fehlens einer Zahlungsermächtigung durch den ersten Internetanwender (20).
- System nach Anspruch 1, ferner umfassend Mittel zum Führen von Benutzerkonten (100) für Anwender des Internets (12).
- System nach Anspruch 1, ferner umfassend Mittel zum Senden von Informationen (194) an ein System (30) abseits des Internets (12) zum Bearbeiten einer Zahlung für die Transaktion in Reaktion auf eine Benachrichtigung (150) durch den ersten Internetanwender (20) zur Freigabe einer Zahlung.
- System nach Anspruch 1, wobei die Benutzerkonten (100) ferner persönliche Identifikationsnummern (102) umfassen, die zu Internet-Emailadressinformationen (104) jeweiliger Anwender gehören, und wobei das Computersystem (10) ferner umfasst:Programmcode auf dem Computersystem, um im Benutzerkonto (100) einen der Mitteilungsinformation zugeordneten Namen (103B, 103S) nachzuschlagen, in Reaktion auf den Erhalt der die Mitteilungsinformation enthaltenden Transaktionsanfrage (129) über das Internet (12) vom zweiten Internetanwender (28);Programmcode auf dem Computersystem (10) zum Senden einer Transfer-Rückfragemitteilung (140) über das Internet (12) an eine dem ersten Internetanwender (20) zugeordnete Internet-Emailadresse, wobei der Programmcode zum Senden der Transfer-Rückfragemitteilung (140) auf den, den Namen (103B, 103S) nachschlagenden, Programmcode reagiert; undProgrammcode auf dem Computersystem zum Senden einer Mitteilung (160) an den zweiten Internetanwender (28), wobei die Mitteilung (160) eine Anzeige (152) bereitstellt, dahingehend, ob die Benachrichtigung (150) von der dem ersten Internetanwender (20) zugeordneten Internet-Emailadresse erhalten wurde, in Reaktion auf die Transfer-Rückfragemitteilung (140).
- System nach Anspruch 7, wobei die Transfer-Rückfragemitteilung (140) eine Adresse des Absenders enthält.
- System nach Anspruch 8, wobei die Transfer-Rückfragemitteilung (140) eine Emailmitteilung ist.
- System nach Anspruch 1, wobei die Transaktionsanfrage (129) entweder aus einer Emailmitteilung oder einer interaktiven Internet-Protokoll-Mitteilung besteht.
- System nach Anspruch 1, wobei die Transaktionsanfrage (129) ferner eine textliche Beschreibung einer Transaktion (132) und einen Geldbetrag der Transaktion (134) enthält.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP06075993A EP1693795A3 (de) | 1994-09-16 | 1995-09-14 | Computerisiertes Zahlungssystem für den Erwerb von Informationsprodukten mittels elektronischem Transfer über das Internet |
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US308101 | 1989-02-08 | ||
US08/308,101 US5826241A (en) | 1994-09-16 | 1994-09-16 | Computerized system for making payments and authenticating transactions over the internet |
PCT/US1995/011606 WO1996008783A1 (en) | 1994-09-16 | 1995-09-14 | Computerized payment system for purchasing information products by electronic transfer on the internet |
Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP06075993A Division EP1693795A3 (de) | 1994-09-16 | 1995-09-14 | Computerisiertes Zahlungssystem für den Erwerb von Informationsprodukten mittels elektronischem Transfer über das Internet |
Publications (3)
Publication Number | Publication Date |
---|---|
EP0791202A1 EP0791202A1 (de) | 1997-08-27 |
EP0791202A4 EP0791202A4 (de) | 2000-04-12 |
EP0791202B1 true EP0791202B1 (de) | 2006-05-10 |
Family
ID=23192549
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP95933787A Expired - Lifetime EP0791202B1 (de) | 1994-09-16 | 1995-09-14 | Computer-zahlungssystem zum kaufen von informationsprodukten mittels elektronischem transfer auf dem internet |
EP06075993A Ceased EP1693795A3 (de) | 1994-09-16 | 1995-09-14 | Computerisiertes Zahlungssystem für den Erwerb von Informationsprodukten mittels elektronischem Transfer über das Internet |
Family Applications After (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP06075993A Ceased EP1693795A3 (de) | 1994-09-16 | 1995-09-14 | Computerisiertes Zahlungssystem für den Erwerb von Informationsprodukten mittels elektronischem Transfer über das Internet |
Country Status (7)
Country | Link |
---|---|
US (3) | US5826241A (de) |
EP (2) | EP0791202B1 (de) |
JP (1) | JPH10508708A (de) |
AT (1) | ATE326043T1 (de) |
DE (1) | DE69534982T2 (de) |
NZ (1) | NZ293783A (de) |
WO (1) | WO1996008783A1 (de) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7970722B1 (en) | 1999-11-08 | 2011-06-28 | Aloft Media, Llc | System, method and computer program product for a collaborative decision platform |
Families Citing this family (862)
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- 1995-09-14 WO PCT/US1995/011606 patent/WO1996008783A1/en active IP Right Grant
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US7970722B1 (en) | 1999-11-08 | 2011-06-28 | Aloft Media, Llc | System, method and computer program product for a collaborative decision platform |
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EP0791202A1 (de) | 1997-08-27 |
AU696475B2 (en) | 1998-09-10 |
US5826241A (en) | 1998-10-20 |
US6246996B1 (en) | 2001-06-12 |
US20110137751A1 (en) | 2011-06-09 |
DE69534982D1 (de) | 2006-06-14 |
AU3630995A (en) | 1996-03-29 |
EP1693795A2 (de) | 2006-08-23 |
WO1996008783A1 (en) | 1996-03-21 |
JPH10508708A (ja) | 1998-08-25 |
DE69534982T2 (de) | 2007-01-04 |
EP0791202A4 (de) | 2000-04-12 |
ATE326043T1 (de) | 2006-06-15 |
EP1693795A3 (de) | 2006-11-29 |
NZ293783A (en) | 1998-10-28 |
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